This is the pre-peer reviewed version of the following article: Blake, D. and Boardman, T. (2014), Spend More Today Safely: Using Behavioral Economics to Improve Retirement Expenditure Decisions With SPEEDOMETER Plans. Risk Management and Insurance Review, 17: 83–112. doi:10.1111/rmir.12007, which has been published in final form at http://onlinelibrary.wiley.com/doi/10.1111/rmir.12007/abstract. This article may be used for non-commercial purposes in accordance with Wiley Terms and Conditions for Self-Archiving